Both. I don't mind creating accounts for shops that have what i want, and maybe buy once every three years (e.g. clothes, photo gear...). So I end up having a c

Both. I don't mind creating accounts for shops that have what i want, and maybe buy once every three years (e.g. clothes, photo gear...). So I end up having a couple hundreds of accounts. Are they a security risk? Don't think so, as I use a different password for each one, and a different TOTP. And always pay a single use card. What you seem to be suggesting is "buy everything on Amazon, and don't use small shops". (Incidentally I don't use Amazon at all because they don't support single use cards, and they are always trying to sell me the Prime in sneaky ways).